1. How many days does it take from mortgage registration to loan disbursement in 2021?
Under normal circumstances, it takes about 10-30 working days for major banks from mortgage registration to loan disbursement. After all, borrowing from a bank not only requires about a working day for bank approval, but also requires mortgage registration at the housing authority. Of course, if it is an existing house, the loan payment time may be shorter.
In addition, according to the latest news from relevant institutions, my country’s joint-stock companies are all different.
Relevant Provisions on House Mortgage Loans
Civil Code
Article 395: The scope of mortgaged property that the debtor or a third party has the right to dispose of The following properties can be mortgaged:
(1) Buildings and other land attachments;
(2) Construction
(3) Sea area use rights;
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(4) Production equipment, raw materials, semi-finished products and products;
(5) Ships and aircraft;
(6) Transportation industry
(7) Legal and Administrative Law
The mortgagor may mortgage the properties listed in the preceding paragraph together.
"City Real Estate Management Law of the People's Republic of China"
Article 32: When real estate is transferred or mortgaged, the ownership of the house and the land use rights within the occupied area of ??the house are transferred and mortgaged at the same time.
Article 36: When real estate is transferred or mortgaged, The parties shall comply with.
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Article 47 Real estate mortgage refers to the act of providing debt performance guarantee to the mortgagee in the form of transfer of possession.
Article 48: The ownership of the house acquired in accordance with the law together with the land use rights within the occupation area of ??the house can be mortgaged
>Land use rights obtained through transfer may be subject to mortgage rights.
Article 49: Real estate mortgage shall be based on the land use right certificate and building ownership
Article 50: For the mortgage of real estate, the mortgagor and the mortgagee shall sign a written mortgage contract.
Article 51: The land use rights establishing the mortgage of real estate are obtained through allocation, and the land use rights shall be auctioned in accordance with the law. After the real estate is acquired, an amount equal to the land use right transfer fee payable must be paid from the auction proceeds before the mortgagee can receive priority in payment.
Article 52: Signing of a real estate mortgage contract. Afterwards, the newly added houses on the land do not belong to the mortgaged property. When the mortgaged real estate needs to be auctioned, the newly added houses on the land can be auctioned together with the mortgaged property in accordance with the law. However, the mortgagee has no right to give priority to the proceeds from the auction of the newly added houses.
House mortgage loan application instructions
House mortgage loan means that the borrower uses the purchased house and other owned properties as mortgage or pledge, or uses a third party for it. The loan provides guarantee and assumes joint liability. It is composed of a housing sales contract, a housing mortgage agreement, and a housing mortgage loan.
2. How long does it take to complete the mortgage registration and disburse the loan?
No Definitely.
It depends on the specific situation.
It depends on the bank’s loan situation. 3. How long does it take to get a loan from the bank after completing the mortgage procedures? How long?
15 working days to one month. Specific operations: 1. Bank loan process: 1. Submit a personal loan application first; 2. After the bank accepts the mortgage property. Carry out an appraisal; 3. Conduct a loan review based on the appraisal price and the information provided by the borrower; 4. After passing the review, go to a law firm to sign a loan contract and complete the mortgage procedures for the real estate certificate; 5. Bank loan. 2. If the information is complete, send it to the bank for approval. It will take at least 15 working days for the loan to be completed. 3. Information required for the loan: 1. ID card 2. Marriage certificate 3. Income certificate (several consecutive periods) 4. Household registration book 5. Real estate certificate (or valuable voucher) 6. Guarantor’s ID card, household registration book, Proof of marital status, etc. 7. Information required by the bank. 4. Bank loan time: Generally speaking, different banks have different regulations and their approval processes are also different, so the loan speed will also be different. For specific circumstances, the borrower needs to refer to the relevant bank regulations.
4. How many days does it take from mortgage registration to loan disbursement
It depends on the situation, the details are as follows:
1. It takes about 10 - Around 30 days, it depends on how long it takes for the housing authority to register the mortgage, and how fast the bank’s approval process is;
2. If it is an existing house, it may take a week. In addition, as collateral, The house needs to be appraised, and then the bank will evaluate the applied amount and age, and then register the mortgage before lending. Things to note when borrowing money:
(1) When you are in a hurry to borrow money, it is easy to be deceived by the so-called "low interest" offered by some unscrupulous intermediaries. Therefore, if you need a loan, you must first find out whether the lending institution is formal and whether the qualification procedures are complete before you can apply for a loan to avoid being deceived and charging high interest rates;
(2) In order to provide loans Many people will "make a flow" of the required information, but such fast-in and fast-out flow will be judged as invalid. The repayment day should be separated from the salary day as much as possible, and the interval should be longer, so as to avoid the fast in and out of the flow;
(3) Whether it is a bank or other decentralized management Institutions, the first step to understand a customer is to read the application information. In order to get a better loan, they provide fake statement or other information to get through. However, if they are discovered, the consequences will be very serious, that is, they will never lend money. , when filling in the information, be sure to fill it in completely and do not make any fraud.